CIC API Access for Secure CIC Open Banking Data

CIC (Crédit Industriel et Commercial) is one of France's long-established retail and business banks, part of the Crédit Mutuel Alliance Fédérale. If you hold CIC accounts and want a clean, ongoing way to reach your balances and transactions — for bookkeeping, cash-flow tools, or your own scripts — open-banking.io gives you PSD2 access without certificates, sandboxes, or bank-specific paperwork. It covers 2,600+ European banks through a single interface, and your CIC data is decrypted on your own device with a key only you hold.

The service is zero-knowledge by design: open-banking.io stores only your public key, so its servers never see readable copies of your CIC statements. CIC supports both personal and business accounts, and a single approval grants access for up to 180 days before you re-confirm. Pricing is roughly EUR 3/month, flat.

How to connect CIC

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in this step.

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally on your device.
  2. In the dashboard, search for and select CIC, then choose the account type (personal or business).
  3. You are redirected to CIC's own secure login, where you approve access under PSD2 consent — your credentials go only to CIC.
  4. Your CIC accounts then sync into your dashboard, ready to view or export.

That's the whole connection flow. No developer redirect, no manual BIC entry (CIC's BIC is not required here).

Access your data

Once CIC is connected, programmatic access is an optional extra step for developers. On the Developers page, create an API key and export a credentials.json — this bundles the API key with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API.

Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key, the data stays unreadable.

Do I need CIC's IBAN/BIC or a developer account with CIC?

No. You approve access on CIC's own login screen; no bank BIC or CIC developer registration is needed.

Can open-banking.io read my CIC transactions?

No. It's zero-knowledge and holds only your public key. Decryption happens on your device.

How long does CIC access last?

Up to 180 days per consent, after which you re-approve on CIC's screen. Both personal and business accounts are supported.

Ready to start? Visit open-banking.io.